One architectural approach to better maintainability is to construct the software system from components with distinct responsibilities and relative independence of components

A sale is the passage of title from the seller to the buyer for a price

Indicate whether the statement is true or false

A corporate bond portfolio manager was overhead asking:"Why do I need a credit risk model. I can get information about the probability of default from credit ratings?" How would you respond to this portfolio manager?

What will be an ideal response?